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    • Any chance of some advice with filling in the N164 please?    I've sent an EX107 to the Court to request transcript of the Judgment to use in an appeal but the Courts still haven't actioned this and my 21 days expires on Tuesday
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    • Hi, despite saying you would post it up we have not seen the WS or EVRis WS. Please can you post them up.
    • Hi, Sorry its taken me so long to get round to this, i've been pretty busy today. Anyway, just a couple of things based on your observations.   Evri have not seen/read my WS (sent by post and by email) as they would have recognised the claim value is over £1000 as it includes court fees, trial fees, postage costs and interests, and there is a complete breakdown of the different costs and evidence. I'd say theres a 1% chance they read it , but in any case it won't change what they write. They refer to the claim amount that you claimed in your claim form originally, which will likely be in the same as the defence. They use a simple standard copy and paste format for WX and I've never seen it include any amount other than on the claim form but this is immaterial because it makes no difference to whether evri be liable and if so to what value which is the matter in dispute. However, I have a thinking that EVRi staff are under lots of pressure, they seem to be working up to and beyond 7pm even on fridays, and this is quite unusual so they likely save time by just copying and pasting certain lines of their defence to form their WX.   Evri accepts the parcel is lost after it entered their delivery network - again, this is in my WS and is not an issue in dispute. This is just one of their copy paste lines that they always use.   Evri mentions the £25 and £4.82 paid by Packlink - Again, had they read the WS, they would have realised this is not an issue in dispute. They probably haven't read your WS but did you account for this in your claim form?   Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency This supports the view that once a user (i.e, myself) selects a transport agency (i.e Evri) that best suits the user's needs, the user (i.e, myself) enters into a contract with the chosen transport agency (i.e, myself). Therefore, under the T&Cs, there is a contract between myself and Evri.   This is correct but you have gone into this claim as trying to claim as a third party. I would say that you need to pick which fight you wan't to make. Either you pick the fight that you contracted directly with EVRi therefore you can apply the CRA OR you pick the fight that you are claiming as a third party contract to a contract between packlink and EVRi. Personally, I would go with the argument that you contracted directly with evri because the terms and conditions are pretty clear that the contract is formed with EVRi and so if the judge accepts this you are just applying your CR under CRA 2015, of which there has only been 2 judges I have seen who have failed to accept the argument of the CRA.   Evri cites their pre-existing agreement with Packlink and that I cannot enforce 3rd party rights under the 1999 Act. Evri has not provided a copy of this contract, and furthermore, my point above explains that the T&Cs clearly explains I have entered into a contract when i chose Evri to deliver my parcel.    This is fine, but again I would say that you should focus on claiming under the contract you have with EVRi as you entered into a direct contract with them according to packlink, as this gives less opportunites for the judge to get things wrong, also I think this is a much better legal position because you can apply your CR to it, if you dealt with a third party claim you would likely need to rely on business contract rights.   As explained in my WS, i am the non-gratuitous beneficiary as my payment for Evri's delivery service through Packlink is the sole reason for the principal contract coming into existence. I wouldn't focus this as your argument. I did think about this earlier and I think the sole focus of your claim should be that you contracted with evri and any term within their T&Cs that limits their liability is a breach of CRA. If you try to argue that the payment to packlink is the sole reason for the contract coming in between EVRI and packlink then you are essentially going against yourself since on one hand you are (And should be) arguing that you contracted directly with EVRi, but on the other hand by arguing about funding the contract between packlink and evri you are then saying that the contract is between packlink and evri not you and evri.  I think you should focus your argument that the contract is between you and evri as the packlink T&C's say.   Clearly Evri have not read by WS as the above is all clearly explained in there.   I doubt they have too, but I think their witness statement more than anything is an attempt to sort of confuse things. They reference various parts of the T&Cs within their WS and I've left some more general points on their WS below although I do think  point 3b as you have mentioned is very important because it says "Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line." which I would argue means that you contract directly with the agency. For points 9 and 10 focus on term 3c of the contract  points 15-18 are the same as points 18-21 of the defence if you look at it (as i said above its just a copy paste exercise) point 21 term 3c again point 23 is interesting - it says they are responsible for organising it but doesnt say anything about a contract  More generally for 24-29 it seems they are essentially saying you agreed to packlinks terms which means you can't have a contract with EVRI. This isnt true, you have simply agreed to the terms that expressly say your contract is formed with the ttransport agency (EVRi). They also reference that packlinks obligations are £25 but again this doesn't limit evris obligations, there is nothing that says that the transport agency isnt liable for more, it just says that packlinks limitation is set. for what its worth point 31 has no applicability because the contract hasn't been produced.   but overall I think its most important to focus on terms 3b and 3c of the contract and apply your rights as a consumer and not as a third party and use the third party as a backup   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Please help with CABOT - debt's doubled!!


stikky62
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Hi Hadituptohere.

 

yes, I addressed it ,, 'For the Attention of the District Judge ' at my local law courts. I sent it special delivery and it was received on tuesday 21st. I didn't think to ring the court to see if it was being acted on. Will there be anyone there on a Saturday? If so I'll ring tomorrow after the postmans been. Otherwise, i'll have to ring first thing monday morning. If I filled in the allocation questionaire tonight I wouldn't be able to get it to the post office tomorow anyway now because I cant get out the house at the moment and my temporary carer (15 yr old son) has gone to his mums until sunday.

I'll have to get this questionaire filled in just in case I haven't been granted a 1 month extension and then somehow I'll have to try and get it to the court on monday

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Hiya Stikky

 

there wont be anyone there tomorrow so monday will have to do for the phone call, looks like the best thing would be to complete the N150 and get that in the post special delivery for tuesday with a covering letter explaining your circumstances, please anyone correct me if im wrong, im sure I had to fill in the N150 so will check my thread and get back asap with some pointers for you.

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Hi stikky

 

sorry just posted a thread regarding filling in N150 but it didnt work :shock: so will look for another, back later

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?191718-Advice-please-court-papers-received-Barclays-credit-card-**-CLAIM-STRUCK-OUT**/page3

 

post 54 onwards for filling the N150

 

There are also some good direction applications for box G in brassedoff thread here post 260/261 thatnks to cym

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?267627-County-Court-Claim-form-received-Cabot/page13

 

Hadituptohere

  • Haha 1

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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I'll have a good read of those tomorrow. I'd do it now but I'm having a bit of a bad day as far as my injuries go and dont have the energy or concentration to do anything right now.

 

Thanks Hadituptohere ;-)

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Right then, I've pretty much filled in the N150 but I haven't filled in the 'propoed directions' and 'other information' boxes.

I'm not too sure what to do with these and how to procede?!?!

All the direction applications I've seen are requesting the Agreement, Terms 'n conditions, notice of assignment, default notice etc etc.

The only thing I've not received is a copy of the default notice which Cabot are saying they dont need to provide because they aren't intending taking any steps detailed in section 87 (1) of the CCA 1974.

Also, regarding 'proof of amount owed', all they have said is 'You are invited to clarify'. The letters I recieved regarding all this are at post #107

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Hi stikky

 

Have you checked your credit file? has cabot ever recorded a default with the major Credit Reference Agencies? If they have then you need sight of the Default Notice, will have a re-read of your doc's and bob back later

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Just having a quick look at your request form they have sent you as an agreement, if this is all you have then they havent supplied an CCA, id go with Cym's directions in Brassed off's thead but as pt has pointed out remove the provocating alledged :wink:, this will cover all the bases.

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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A default notice is still required under CCA74 stikky so would still go with the special directions posted by cym,

 

unless anyone else has an opinion????

 

I find it hard to believe cabot have never defaulted you with the CRA's maybe its dropped off after the 6 years but it would be handy to know if it was ever there, I dont know if thats possible?

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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The last time I checked my report was back in 2008 and there was nothing showing then either. Having said that, if Cabot had registered a default when they first bought the account that would have gone past the 6 yr period by then also.....and having said that, I made arrangements with Cabot when they took over, and never defaulted, so then again they wouldn't have had a reason to.

 

bazaar - I have statements of the account which show when it doubled, but I have never received a proper explanation of this.

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Hi stikky

 

my cabot nightmares started with Kingshill recording the defaults and Im sure that changed about 12 months after to cabot uk, the card was from around the same time as yours.

 

Dont know if theres a way of finding out if they have ever recorded defaults

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Ok,,, the N150 is finally completed and ready to go to the court. I'm still hoping for a 1 month extension but I'll phone and find out about that tomorrow before this form has to go in.

 

Thanks Hadituptohere - I really appreciate the help you've given me. I'd probably be sat here panicking and pulling whats left of my hair out if you hadn't :-D

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Well, despite them saying the statements are not kept over 6 years , they need to supply full statements from start of agreement, and you'll get them to by order, so IMHO, you need to keep pushing the balance argument, IE, where did the 2 grand they added come from?

I would specifically tell them that you will be applying to court that they provide proof of ALL debt, so in the interests of the CPR you respectfully ask them to provide this information, otherwise they cannot substantiate their argument at court

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Any news on the time extension stikky?

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Sorry, I would have answered earlier but didn't get an email notification somone had posted :-)

 

No, no news on the time extension. I got a friend to give me a lift to the courts and managed to hobble my way in on monday, the day the allocation questuonaire had to be in and forgot all about asking about the time extension.

I handed in the N150, filled in as per the info gained from those threads you put links to with the draft directions as in the sticky in this 'illegal issues' forum,

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  • 1 month later...

Quick little update.

 

I got a letter from the court a few weeks ago (Below). At the moment we're 'Stayed' until 7th December but there's mention of steps which need to be taken before November 23rd. This may seem a silly question, but am I supposed to be doing anything about this? I've not anything heard from Morgans.

 

CabotStay.jpg

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zhi stikky that sounds to me like someone hasnt handed there AQ in (I could be wrong and i hope someone will correct me if I am), obviously not you as you went to the court and hand delivered it.

 

I dont mean to startle you but its worth ringing the court office and checking what the above notice is about as I hand delivered my Defence and recieved a strike out for not filling one........ for it to be reienstated.

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Hmmmm,,,,, I'll assume it isn't me because I have had a letter from the court confirming receipt of my AQ/initial defence :-)

 

I'm curious,,,, I was just looking at my credit report and noticed Cabot Financial searched it back in July - what would they have been looking for? :wink:

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You really do need to ring and find out stikky

 

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Hmmmm,,,,, I'll assume it isn't me because I have had a letter from the court confirming receipt of my AQ/initial defence :-)

 

I'm curious,,,, I was just looking at my credit report and noticed Cabot Financial searched it back in July - what would they have been looking for? :wink:

 

Looking to see if you have a mortgage and whether it is worth taking action to get a charge on your property!

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Looking to see if you have a mortgage and whether it is worth taking action to get a charge on your property!

 

Spot on!

 

Stikky, ring the court and find out if the other side have sent in an AQ, if they have then the court is asking you to either a) agree the issues unresolved prior to trial and notify the court by november 23rd or b) reach a settlement or show the "workings out" of an attempted settlement.

 

S.

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Hi Guys

 

Ok, I'll ring the court. There won't be anyone there on a saturday will there?

 

Assuming the other side HAS sent in their AQ, and bearing in mind I don't want to reach a settlement ( I'm going stick this out to the bitter end for better or worse), does this mean I have to send in another AQ with a final defence - as it were.

Slightly confused here :-)

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